Page Contents

Getting Started

Overview

One of the important steps in the consumer journey for placing an online order is the management of the payment. Infosys Equinox application facilitates the processing of payments made via different payment instruments. Payments can be made using multiple third-party payment methods that the Infosys Equinox platform is configured to accept. Some of the commonly used payment types, such as the ones made using credit and debit cards are processed via a payment gateway. You can configure locale-specific payment methods.

Once a payment app is created, approved, and published via the App Marketplace admin console, it appears on the Payment Options console where a merchant can:

add the payment method
set the validity period for the payment provider
set or change the default or locale-specific payment method for a payment provider
set if the payment process is deferred or instant type, which is preconfigured based on the payment provider type
Note: Currently, it is only an instant payment type.
display a payment instruction to be shown on the storefront
describe a confirmation message to display for each successful payment
configure transaction fee to charge a fee for every payment transaction made via the provider
configure conditions to show/hide the payment provider based on products, customers, orders, and/or payment rules
configure the payment method’s order of display when the merchant offers more than one payment method

Currently, in the Equinox Payment Admin console, the following payment apps have been added, configured, and made available on the Reference Storefront:

Braintree
CyberSource
Klarna

Service Glossary

Business – the parent of a store or set of stores. The basic use of a business is to manage common sets of users, catalogs, and other services for the stores associated with the business.
Business Admin – a role that manages business settings, creates and manages stores, and enables microservice(s) for a business.
Collection – provides a set of properties that control the behavior of the microservice when launched. Allows Business Admins to set up different information for each store so that a business can have multiple stores, each with its own configuration for a specific microservice.
Store – represents a specific physical location or online store of a business.
Storefront – a consumer-facing website that presents products, content, and promotions across multiple channels such as desktop, tablet, and mobile.
Payment Gateway – A merchant service provided by a business used to process payments for orders.
Payment Method (B2B) – The method by which a buyer organization makes a payment to the seller organization (our client). In B2B, the payment method is usually against Credit or a Purchase Order (PO).
Payment Splits – The act of splitting a single, but full payment amount, into two or more simultaneous transactions made by different payment methods.
Payment Terms (B2B) – The number of days within which the buyer organization owes a payment to the seller organization (merchant) for credit used (i.e. purchases). Typically, payment terms expressed as NET30, NET45, etc.).
Payment Types – Refers to available purchase payment methods (e.g. credit and debit card payments, cash, bank transfer, Apple Pay, Android Pay, etc.).
Payments – The act of making payments for products added to the consumer’s cart in order to place an order.
Plug-Ins – Typically, a third-party module or software component that can be configured to work with our products to add a specific feature or functionality, such as a payment processor.

Accessing Payment Console

To access the Payment console,

Log in to the Foundation service for your business (URL provided by Infosys Equinox).
Click Payment on the Store Operations page.
The Payment Options landing page appears:

Search for Payment Methods

Using the Search bar, you can search for a particular payment option.

To search for a payment method,

In the Payment Options page, enter the method name or app name in the Search text box.
Click the Search The search result is displayed.

Adding a Payment Method

With the Equinox Payment Admin console, a business can add a variety of payment methods with multiple payment methods that customers can use to purchase products in the storefront.

The business can add one or more payment methods for the default locale. Later, you can modify the payment method to include for other locales. The added payment option is reflected appropriately in the checkout page and customer’s profile page of the storefront.

As a merchant, while configuring a payment option, you can set up multiple payment methods for a payment option so that the customers can use any of the methods to pay for their purchase. For example, if the payment option is CyberSource, then you can have the payment methods like Card and GooglePay.

A merchant can configure the payment option as follows:

Provide the payment message and logo in the storefront
set the payment option to the Active or Inactive status
Note: Only the payment option with the Active status appears in the storefront.
activate or deactivate the payment method to extend credit payment for the customers
activate or deactivate the recurring payment method to charge the customers automatically.
set the validity period of the payment option
display message once the payment is made by the customer
configure conditions to show/hide the payment method in the storefront

Before You Begin

As a merchant, first you need to install and configure the payment app in the App Marketplace Admin console. Only then the payment method will be available to be added in the Payment Admin console.

How to Add a Payment Method

To add a payment method,

In the Payment Options landing page, click .
The following pop-up appears:
Search and select the required payment option.
Note:
- The payment application appears only when the application is already installed and configured in the App Marketplace admin console.
- In the payment option, you can notice that the application lists one or more payment methods which is configured in the App Marketplace admin console.
Click .
Note: To cancel from adding the payment option, click .
The payment method page displays the GENERAL and ELEMENT SELECTION tabs to define the payment methods.

Defining General Information of the Payment Method

Once you add the payment method, you need to provide the general information describing about the payment method.

To add the general information of the payment method,

In the GENERAL tab, provide the method name. This name will be shown on the storefront’s payment selection page, with the description and logo.
Select the required payment method from the dropdown list. The selected payment method appears on the payment selection page in the storefront.
Note: While adding the payment option, these values were listed separated by a comma.
Select any one of the payment process types:
- Deferred Payment process: to process the payment before the specified number of days. For example, manual credit card, direct debit card, payment by cheque, etc. are deferred payment methods. This process is performed after the order is confirmed.
- Instant Payment process: to process the payment instantly via online payment process such as net banking, debit card, credit card, etc. This process is performed before the order is confirmed.
Note: Based on the payment method, the process type is selected by default. The merchant cannot modify the process type.
Select the start and end date and time to define the validity period of the payment method in the storefront. Only within this period, the payment option is displayed on the storefront.
Note:
- If you DO NOT enter the start date and time, then the date is set to the current date and time by default.
- If you DO NOT enter the end date and time, then the payment method is active in the storefront indefinitely.
Select any one of the following statuses for the payment method:
- Active – the payment method is activated and available for use in the storefront.
- Inactive – the payment method is deactivated, and it cannot be used in the storefront unless it is activated again.
Enable the toggle to activate the payment method for providing credit to the customers.
Note: If the toggle is not enabled, then the payment method is disabled for providing credit to the customers.
Enable the toggle to activate the recurrent payment option for this payment method. Once this option is enabled the payment method is associated with the products/SKUs that are enabled for the subscription.
Note: You need to enable this option ONLY if the payment method is available for the subscription.
Enter a description about the payment method. This description will be displayed with the name and logo in the storefront’s payment selection page. You can use this description to indicate the payment terms or any additional information with respect to the payment method.
Enter a message to be displayed once the payment is made. For example, order confirmation message. This message is displayed on the storefront once the order is confirmed.
For example,
- Instant payment: Your order is confirmed, Thanks for shopping, below you can find the order and shipment details.
- Deferred Payment: Your order is confirmed, Thanks for shopping, request to process the check within 10 days from today. Product will be moved to shipment once the amount is received.
Upload an image file or logo of the payment method.
Note:
- To replace the logo, click .
- To delete the logo, click .
Click to add the general information of the payment method.
Note: To cancel adding the information, click .

Combining Multiple Rules

Before configuring rules for the payment method, first let us see how to use ADD GROUP or ADD RULE that creates OR and AND operators to combine multiple rules into a single group.

Operator	Purpose
AND	This operator is used to connect two conditions. The condition is executed only on meeting both the conditions. You need to click in the ELEMENTS SELECTION tab to create any number of conditions using the AND operator.
OR	This operator is used to connect two conditions. The condition is executed on meeting either of the conditions. You need to click in the ELEMENTS SELECTION tab to create the OR operator. Then, you can add details to the rule.

Note: To configure rules for the payment method, refer to the next section.

Configuring Rules for the Payment Method

After adding the payment method and the general information about the payment method, now, you can configure rules. Rules can be defined based on the order, shipping, product, and customer to allow or hide the payment method in the checkout screen of the storefront.

You can configure conditions by adding one or more rules or group of rules to a payment method. On adding a rule or group of rules, you can create different conditions by changing the combination of operands and operators. You can enter the required value to complete configuring a rule.

To create a rule,

Click the ELEMENTS SELECTION tab
In the Filter Elements section, click to add a rule.
In the operand, select any one of the following:

Under Section	Select the Operand to Restrict Payment Method Based on
Order	Order Amount
Shipping	Shipping Country
Shipping	Postal Code
Product	Category
	Brand
	Product ID
Customers	Currency
	Account ID Note: This is applicable for B2B / B2B2C.
	Locale

In the operator, select any one of the following:
Note: The payment method is displayed on the storefront when the condition meets the criteria. If the value does not match, then the payment method is not displayed on the storefront.

Select	Description
Equals	Must exactly match the configured value.
Not Equals	Must NOT match the configured value.
Greater than	Must be greater than the provided value.
Less than	Must be less than the provided value.
Greater than or Equal to	Must be greater than or equal to the provided value.
Less than or Equal to	Must be less than or equal to the provided value.
Between	Must be within the range.
Not Between	To filter that is outside of the specified range. You need to enter the from and to values:
Is Not Empty	To checks for the availability of any data.

Enter the required value(s) for the selected operand.
For the operands such as Shipping Country, Postal Code, Category, Product ID, and Currency, click the Search icon. From the pop-up, select the required value(s) from the list, and then click .
Note:

To clear the added value(s) in the relevant pop-up, click to clear and add the value(s) again.
To cancel from adding the value(s) in the relevant pop-up, click to exit from the pop-up.
To delete a rule, click which is available at the end of each rule.

Once added, the condition is generated and shown under the GENERATE CONDITION section.

Repeat the steps from the steps 2 to 5 to add multiple rules.
To configure multiple “OR” or “AND” conditions, click . For more information, see Adding Group of Rules.
Click to save the condition.
Note: To cancel from adding the condition in the ELEMENTS SELECTION tab, click .

Editing a Payment Method

In the Equinox Payment Admin console, a merchant can edit a payment method.

To edit a payment method,

In the Payment Options landing page, identify the payment method that you want to modify.
Under the Action column, click and select the Edit Paymentoption.
Now, modify the required details in the GENERAL tab and ELEMENTS SELECTION tab of the payment method:

Note:

You can also delete the payment method from the above Edit Payment screen. To delete the payment method, click , select Delete Payment option, and then click to delete the payment method. To delete from the Payment Options page, see Deleting a Payment Method.
For more information, see: Defining General Information of the Payment Method, Combining Multiple Rules, and Configuring Rules for the Payment Method.

Click to save the updated details.
Note: To cancel from updating the details, click .

Deleting a Payment Method

In the Equinox Payment Admin console, a merchant can delete a payment method.

Note: You can also delete the payment method from the Edit Payment screen.